Your group already has trust. Collect adds structure.

Digitise contributions, give every member a clear record and grow accumulated group capital that financial institutions can understand.

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Trusted savings should not remain invisible.

Many groups still depend on cash, notebooks, spreadsheets, WhatsApp messages or one person's mobile-money account. This makes reconciliation difficult, weakens transparency and prevents years of savings discipline from becoming a recognised financial record.

Manual contribution tracking

Missing or disputed records

Cash-handling and fraud risk

No independent member statements

Capital repeatedly distributed rather than accumulated

Limited visibility for banks and other partners

How Collect works

01Create the group

Define its purpose, leadership, rules and contribution schedule.

02Invite members

Onboard members individually through the app or supported assisted channels.

03Contribute

Members save through the app, mobile money or USSD.

04Receive proof

Each member receives confirmation when the transaction is completed.

05Update the ledger

The member and group balances update automatically.

06Track progress

Members and leaders can view balances, missed contributions and goals.

07Build financial history

Contribution consistency becomes a verified record.

08Connect to partners

Eligible groups may access partner-led credit, insurance or purpose-based finance.

Features for groups that save together

Transparent group ledgerEvery recognised contribution is allocated to the correct member and group.

Member statementsMembers can view their balances and contribution history without depending solely on the group treasurer.

Flexible contribution schedulesSave daily, weekly, monthly or according to the group's own rules.

Group roles and approvalsSet leaders, signatories, reviewers and maker-checker controls.

Purpose-based goalsSave toward insurance, school fees, business assets, property, agriculture, taxes or green mobility.

Basic-phone accessSupported USSD and SMS journeys make participation possible beyond smartphone users.

Regulated fund handlingWhere approved provider arrangements apply, funds are handled through regulated financial-service partners rather than on Collect's own balance sheet.

Credit-readiness recordContribution discipline can become part of a stronger partner-lender application.

From rotation to accumulation, keep the trust, grow the capital.

Traditional rotational groups help members access a periodic lump sum, but the group capital is repeatedly distributed and depleted. Collect allows groups to add an accumulating model in which savings remain visible and can support shared goals, collateral arrangements and longer-term investment.

Each group chooses its rules. Collect does not force groups to abandon their existing culture or governance.

Do more with your Group Savings

Business working-capital readiness

Insurance and compliance savings

School-fee and family goals

Agricultural inputs and equipment

Property and construction

Moto-taxi insurance and licensing

Green mobility and productive assets

Emergency and resilience funds

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Give every contribution a clear purpose and a trusted record.

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